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Buying or Refinancing?

Exclusive Benefits for Members

Manual Membership Selection
To access Costco member rates and discounts select one of the following:

Currently not a Costco member? Be sure to ask your Mortgage Consultant about becoming one. It is easy and enables you to receive Member Discounts.

Costco Executive Members

could save an average of
over the typical life of the loan*

Executive Members

Lender fees
or less*

Gold Star Members

Lender fees
or less*

The 1st Time Home Buyer

Buying a home can be an exciting yet stressful experience. Even more so if you are a first time home buyer. Being prepared is one of the best things you can do to make sure you get the home of your dreams. At the Mortgage Program for Costco members, we are here to help you achieve that dream. Here are some quick tips to buying your first home:

Couple in new home
  • Pre-Approval — Beginning the home shopping experience with a pre-approval from a lender helps your offer stand out and helps demonstrate you’re able to obtain the financing necessary to purchase a home. It also gives you the confidence of knowing how much you can afford and the conditions necessary to close the loan. Getting pre-approved requires you to provide documentation of your assets, debts and income so the lender can complete a review and ensure those factors, as well as the condition of your credit and employment status meet lending requirements. Once you have the pre-approval in hand you can focus on finding the right home.
  • Size and Layout — Many first time buyers can get caught up in the excitement of home buying and overlook aspects of the home that they end up regretting later. Make sure you know what you want, what you need, and what can live with. Remember, you are going to be in that home for a long time.
  • Think of the neighborhood — Take a look around the neighborhood. How safe is it? How much traffic or noise is there? Is it a good place for kids? These are just some of the things you need to think about before purchasing a home. Think both short AND long term.
Why the Mortgage Program?

The Mortgage Program has established solid relationships with a select team of preferred lenders that have committed to providing superior service, rates, and fees exclusively for Costco members. Finding the right loan may never been easier.

Members Are Talking
  • “This is the 2nd time I've used The Mortgage Program for Costco members to refi a house and would totally recommend it., Both experiences, provided unbeatable rates and quality customer service. I felt comfortable knowing that if I wasn't satisfied with the quality of customer service, I could easily reach back to the program for help.”

    - SYLVIA W., Fairfax, VA, 08/2018
  • “I researched The Mortgage Program for Costco Members along with other offerings. The process was fast and efficient without any hidden fees or other surprises. I will certainly use this process next time I need a mortgage.”

    - Andy L., Lindstrom, MN, 08/2018
  • “Out of frustration, I googled to search for a lender, so I could buy my dream condo in Florida on the beach. The Mortgage Program for Costco members came up on my search. The lender they connected me with, was the best decision I made!!! What a great experience, they were so helpful.”

    - Sherry R., Oxford, OH, 07/2018
  • “I got much better rates through The Mortgage Program for Costco Members than what I was getting outside of it. Most companies are online companies, but I didn't have any issues with them.”

    - Paulina M., Chicago, IL, 07/2018
  • “Great experience and great pricing through the Mortgage Program for Costco Members. Plan to use in the future and recommend it to anyone.”

    - Tyler C., Eagle Mountain, UT, 07/2018
  • “I've used this program 6-7 times for new home purchases & refinances. Our mortgage consultant was incredible from first contact all the way through closing. Excellent communication throughout and very knowledgeable. Awesome support team as well. Make sure to ask for Doug Moore, he's been our advocate over the years.”

    - Jesse G., Rocklin, CA, 06/2018

Individual results may vary.